Search

EBA and ECB 2025 report analysing payment fraud trends, including fraud levels, types, impact of Strong Customer Authentication (SCA), losses, and geographical patterns across EU payment instruments.

European Banking Authority (EBA) report reviewing the standardised terminology for payment account services under the Payment Accounts Directive (PAD). Assesses EU legislation, national authorities' and stakeholders' views, and concludes the current Regulatory Technical Standards (RTS) remain fit-for-purpose, with potential future updates for instant credit transfers.

European Banking Authority (EBA) 2024/25 Consumer Trends Report analyses retail banking products, payment fraud, indebtedness, and de-risking, assessing measures by EBA and national authorities to address key consumer protection issues in the EU.

EBA report assessing creditworthiness assessment practices of non-bank lenders (NBLs) across the EU, identifying gaps in information gathering and verification, regulatory fragmentation, and supervisory challenges under the Consumer Credit Directive (CCD) and Mortgage Credit Directive (MCD).

European Banking Authority (EBA) report analysing structured deposits – covers definitions, market evolution, investor risks, disclosure requirements, and supervisory activities in the EU from January to September 2023, with proposed improvements for future reporting.

EBA, ESMA, and EIOPA report on a 2024 workshop exploring how national supervisory authorities can apply behavioural insights to enhance consumer protection, policy design, and supervisory effectiveness in financial markets, including lessons from OECD and NCAs.

EBA report on virtual IBANs (vIBANs) analysing their characteristics, benefits, and key risks—including money laundering, regulatory arbitrage, and consumer protection gaps—based on a 2023/2024 fact-finding exercise, with recommendations for payment service providers and authorities.

Report on mystery shopping excercise

Consumer trends report 2022/2023

Retail Risk Indicators March 2023 (PDF)

Thematic Report on national financial education initiatives on digitalization

Thematic review on the transparency and level of fees and charges for retail banking products

Response to the Call for Advice on the review of MCD

Report on the application of the Guidelines on the remuneration of sales staff

Report on the mystery shopping activities of National Competent Authorities

Joint Committee Report on the application of Guidelines on complaints-handling

Consumer trends report 2020/2021

Second EBA Report on the application of the guidelines on product oversight and governance (POG) arrangements

Financial Education Report 2019/20 - Financial Education

EBA report on the review of the RTS on PII for mortgage credit intermediaries